Florida Golf Cart Insurance Requirements

Last updated October 11, 2026

Yes, to rent one from us. Every driver has to show proof of their own auto insurance along with a valid driver license, and every driver has to be 21 or older. Florida separately requires the vehicle itself to carry personal injury protection and property damage liability at $10,000 each, and that coverage is ours as the owner.

Two different kinds of insurance, two different jobs. Here is how they fit together.

Florida golf cart insurance requirements, in short

• Street-legal golf carts (LSVs) must be registered, titled and insured, carrying personal injury protection (PIP) and property damage liability (PDL) of at least $10,000 each, under Florida Statutes 320.02 and Chapter 319.
• Ordinary golf carts that are not registered as LSVs are not required by the state to carry insurance, because they are not street legal.
• To rent a street-legal cart from us, the vehicle's required coverage is already ours as the owner. Each driver separately shows a valid license, proof of their own auto insurance, and must be 21 or older.

What we require from you

Three things, checked at delivery, for every person who plans to drive:

1. Age 21 or older. No exceptions, and it applies to everyone who touches the wheel, not just whoever booked.
2. A valid driver license. Florida requires it of any low-speed vehicle operator. Expired or suspended counts as none.
3. Proof of your own auto insurance. A card, an app screen, a photo of the declarations page. Whatever shows you carry coverage.

Bring all three for every driver. The most common delay at handoff is a second driver who did not think they needed anything.

Why we ask for your insurance

You are taking a 25 mph street-legal vehicle onto public roads. Our policy covers the vehicle to the state minimum. It is not there to be the only thing standing between you and a bad afternoon.

Requiring drivers to carry their own coverage does two things. It keeps the people driving our carts inside the same insurance system they are already in when they drive a car. And it filters for renters who take the vehicle seriously, which is why our carts come back in the shape they left in.

Every rental company draws this line somewhere. We draw it here.

What Florida requires of the vehicle

A street-legal low-speed vehicle has to be registered and insured under s. 320.02 and titled under Chapter 319, with PIP and property damage liability at a minimum of $10,000 each.

That is the vehicle's coverage, and it belongs to the owner. On a rental, that is us, and it is already in place before the cart reaches your driveway.

Ordinary golf carts are different. The state does not require insurance on a cart that is not registered as an LSV. Since we rent LSVs, the state requirement is the one that governs our fleet.

Does your auto policy actually cover you on a rented LSV?

Worth finding out before you show up with a card that does not do what you think it does.

Call your agent and ask two specific questions:

1. Does my policy extend to a rented low-speed vehicle registered in Florida?
2. Does it cover damage to the rented vehicle, or only liability to others?

Those are different answers, and people assume the first covers the second. Use the words "low-speed vehicle," not "golf cart." The term you use changes the answer you get.

We will still rent to you if the answer to question one is murky, as long as you carry auto coverage. We are not in a position to interpret your policy, and we are not going to pretend otherwise.

What about credit card rental coverage?

Card benefits usually name "rental cars," and a low-speed vehicle often falls outside that definition. Some cards exclude it outright.

If you are counting on it, call the number on the back of the card and ask about a low-speed vehicle specifically. Do not count on a blog, including this one, to tell you what your card does.

What you are responsible for

Your rental agreement has the full version. The plain-English one:

• Damage to the cart. Scrapes, a cracked windshield, a bent rail. Anything past normal wear.
• Payment. You pay in full when you book. There is no separate damage deposit.
• Who drives. Only the 21-plus licensed and insured drivers listed on the agreement. Hand the keys to anyone else and you own what follows.
• Where it goes. On pavement, inside the area we agreed on. Every road inside Welaka town limits is fair game. Trails and unpaved surfaces are not.
• Getting it back. On time, charged, in one piece.

What happens if something goes wrong

Call us first, at (386) 603-0295. Then, in order:

1. Make sure everybody is okay. Call 911 if anyone is hurt.
2. If another vehicle is involved, exchange information and call law enforcement. An LSV crash on a public road is a traffic crash and gets handled like one.
3. Photograph everything before anything moves.
4. Let us handle the vehicle. Do not arrange your own tow or repair.

Telling us early costs you less than hoping we do not notice.

The short version

We carry the vehicle's required coverage. You bring your own auto insurance, a valid license and 21 years, for every driver. Then you take a street-legal cart anywhere in the Bass Capital of the World you want to go.

Read next: Do You Need a License to Drive a Golf Cart in Welaka? and Street-Legal Golf Carts in Welaka, FL